Standard List of Fees and Commissions for Corporate Clients

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Standard List of Fees and Commissions

for Corporate Clients

Expobank CZ a.s., Vítězná 126/1, Prague 5, PSČ 150 00, IČ: 14893649

(hereinafter only Bank)

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I. Opening, maintaining and closing of current

accounts

in CZK

A. Opening, maintenance and closing of current accounts

Opening an account free of charge Opening of another account in each currency free of charge Account closing free of charge

Maintaining an account - according to delivery of account statement

monthly (by post / e-mail) 250,- / 150,- p.m. weekly (by post / e-mail) 300,- / 200,- p.m. daily/after transaction (by post / e-mail) 400,- / 300,- p.m. Each statement free of charge Opening and maintenance of savings account free of charge Opening and maintenance of deposit account free of charge

B. Main Current account for Notarial/Lawyer Escrow accounts

Opening an account free of charge Account closing free of charge

Maintaining an account - according to delivery of account statement

monthly (by post / e-mail) 50,- p.m. weekly (by post / e-mail) 100,- p.m. daily/after transaction (by post / e-mail) 200,- p.m. Each statement free of charge Opening and maintenance of deposit account free of charge

1. Notarial/Lawyer/Court Escrow accounts*

Opening an account for interest bearing accounts (one-time fee at the time escrow is

accepted)

Notarial/Lawyer Escrow account 200,- Court Escrow account free of charge

Opening an account for non-interest bearing accounts (one-time fee at the time escrow is

accepted)

Notarial/Lawyer/Court Escrow account free of charge Maintaining an account free of charge Account closing free of charge Each statement free of charge

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Incoming payments free of charge Outgoing payments free of charge

Cash transaction

Cash deposits free of charge Cash withdrawals free of charge

* All fees related with Escrow accounts will be charged to the client's main account

C. Deposit and savings accounts

1. Expo Business Savings Account in CZK [1]

Maintaining an account according to delivery of account statement

Monthly (by post / e-mail) free of charge Daily (by post / e-mail) 150,- Each statement free of charge

Expo Business Savings Account includes:

Opening of Expo Business Savings Account free of charge Cancellation of Expo Business Savings Account free of charge Providing account balance information over the telephone 30,- Minimum balance 0,-

Expo Direct - Internet Banking

Set up and administration fee free of charge [2]

Domestic payments and settlements in CZK

Incoming payments free of charge Four (4) monthly outgoing domestic payments in CZK[3] free of charge Other outgoing payments 30,- per transaction Entry, change, and cancellation of a recurring payment order via Internet Banking free of charge

Cash deposits free of charge

1) These charges are also valid for the product LBBW Business Savings Account in CZK offered until 14. 10. 2014. 2) Issue of authenticator and re-generated PIN is charged in accordance to the valid List of Fees for Expobank Internet Banking. 3) entered by electronic means (standard one-time and recurring payments)

2. Expo Business Savings Account in EUR [1]

Maintaining an account according to delivery of account statement

Monthly (by post / e-mail) free of charge Daily (by post / e-mail) 150,-

Expo Business Savings Account includes:

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Cancellation of Expo Business Savings Account free of charge Providing account balance information over the telephone 30,- Minimum balance 0,- EUR

Expo Direct - Internet Banking

Set up and administration fee free of charge [2]

Cash deposits free of charge

1) These charges are also valid for the product LBBW Business Savings Account in EUR offered until 14. 10. 2014. 2) Issue of Authenticator and re-generated PIN is charged in accordance to the valid List of Fees for Expobank Internet Banking.

3. IQ Business Savings Account with notice period

Opening of the account free of charge Maintenance of the account free of charge Cancellation of the account free of charge Minimum balance 0,- CZK / 0,- EUR Internet banking activation (information services) free of charge Fee for the Internet Banking Service (information services) free of charge ** Incoming domestic payments free of charge * Cash deposit free of charge Outgoing domestic payments 20,- *

Penalty for failure to the month notice period 0,25 % from withdrawal

Account statement

Account statement free of charge Fee for sending account statement:

- monthly (by post / e-mail) 0,- - daily (by post / e-mail) 150,- Other payments and settlements follows part II. of Standard List of Fees and Commissions for

Corporate Clients - Payments and Settlements in CZK, Clean Payments in Foreign Currencies.

* Valid only for IQ Business Savings Account in CZK

** Issue of Authenticator and re-generated PIN is charged in accordance to the valid List of Fees for Expobank Internet Banking.

4. IQ Business Savings Account

Opening, maintenance and cancellation of the account free of charge Incoming domestic payments free of charge

Account statement

Account statement (sent monthly) free of charge

Other payments and settlements follows part II. of Standard List of Fees and Commissions for Corporate Clients - Payments and Settlements in CZK, Clean Payments in Foreign Currencies.

D. Services related to transfers and payments realized on accounts

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Blocking of a current account upon account holder's request 100,-

E. Services related to statements of current accounts and bank confirmations

Each statement mailed free of charge Extra copies of account statements - current year 100,- Extra copies of account statements - previous years 500,- Additional account statement in second language 500,- p.q. Electronic reporting of account statements via electronic banking system MULTICASH free of charge

Reporting of account statements via MT940 Messages - SWIFT 650,- p.m., or equivalent in other currency Written confirmation of account balance - fax inland 100,-

Written confirmation of account balance - fax abroad 150,- Written confirmation of account balance - mail 100,- Written confirmation of account balance - SWIFT 150,- Confirmation of paid-in capital 500,- Confirmation of deposit of funds for capital increase 500,- Assignment of deposit 1.000,- Assignment of deposit in favour of a third bank 15.000,-

II. Payments and Settlements in CZK, Clean

Payments in Foreign Currencies

in CZK

A. Domestic payments and settlements in CZK incoming payments

(valid for payments from CZK accounts to CZK accounts) Incoming payment from other domestic bank 5,-

Incoming payment within the Bank free of charge Establishment and cancelling of direct debit agreement, agreement to SIPO free of charge Change of direct debit agreement, agreement to SIPO 30,- Outgoing payment to other domestic bank in paper form 70,- Establishment and cancellation of standing order free of charge Change of standing order 30,- Transfer within the Bank from CZK account to CZK account in paper form 35,- Express / urgent outgoing payment to other domestic bank in paper form 300,- Standing order execution (outgoing payment) 5,- Direct debit, SIPO (outgoing payment) 5,- Request for direct debit in paper form 20,-

Electronic Banking

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Establishment, change or cancellation of standing order free of charge Standing order execution within the Bank (outgoing payment) free of charge Standing order execution to other domestic bank (outgoing payment) 5,-

Transfer within the Bank from CZK account to CZK account (outgoing and incoming payment) free of charge Express / urgent outgoing payment to other domestic bank 300,- per item Request for direct debit 7,-

Internet Banking

Outgoing payment to other domestic bank 5,-

Establishment, change or cancellation of standing order free of charge Standing order execution within the Bank (outgoing payment) free of charge Standing order execution to other domestic bank (outgoing payment) 5,-

Transfer within the Bank from CZK account to CZK account (outgoing and incoming payment) free of charge Express / urgent outgoing payment to other domestic bank 300,- per item Request for direct debit 7,-

B. Foreign and foreign currency payments

(for foreign payments, payments in foreign currency, payments to the debit of foreign currency accounts or payments in favour of foreign currency accounts)

Outgoing foreign payment 0.9 % min. 500,- max. 2.200,- Express / urgent payment delivered on paper application standard fee + 500,- Expo Express – immediate outgoing foreign payment to AS Expobank (Latvia) and Expobank LLC

(Russia)* 1.300,- Establishment of standing order 100,- Change of standing order 100,-

Standing order execution (outgoing payment) 0.9 % min. 500,- max. 2.200,- Incoming foreign payment 0.9 % min. 350,- max. 2.200,- Incoming Expo euro payment** 200,- flat

Incoming foreign payment for non-customers 0.9 % min. 500,- max. 2.200,- Transfer within the bank from foreign currency and/or in favour of foreign currency account in paper

form 35,-

Incoming payment in CZK from another domestic bank in favour of foreign currency account 10,- Outgoing payment in CZK from a foreign currency account to other domestic bank in a paper form 70,-

Electronic Banking

(Russia)* 1.300,- Transfer within the Bank free of charge Outgoing payment in CZK from foreign currency account to another domestic bank 7,-

Establishment, change or cancellation of standing order free of charge Standing order execution order within the Bank free of charge

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Internet Banking

(Russia)* 1.300,- Transfer within the Bank free of charge Outgoing payment in CZK from foreign currency account to another domestic bank 7,-

Establishment, change or cancellation of standing order free of charge Standing order execution within the Bank free of charge

Foreign standing order execution (outgoing payment) 0.9 % min. 350,- max. 2.000,- Standing order execution in CZK from foreign currency account to another domestic bank 7,-

C. Other services

Issuing of receipt for payments carried out / received 200,- Additional information about payment 300,- Suspended payment notification sent by email free of charge Rejected / cancelled payment notification sent by email 60,- per item Notification of the rejection / cancellation of the payment delivered via post 90,- per item

Change of instructions of already executed payment 300,- + charges of other banks Cancellation of already executed payment 300,- + charges of other banks

* Payment in EUR, USD, RUB and CZK **- the payment currency must be EUR - the payment amount may not exceed EUR 12.500

- the payment must be originated in a member state of the EU and be destinated for the member state of the EU - the fee instruction must be "SHA" (fee splitting)

- the payment must contain the valid IBAN of the beneficiary - the payment must contain the valid BIC of beneficiary's bank - the payment must not contain any additional information for the bank - the information on the payment order must be precise and may not lead to inquiries

These charges are also valid for the product LBBW euro payment offered until 14. 10. 2014.

III. Cash Transactions

in CZK A. Cash transactions

Cash deposits to own account (to the account of the depositor or account to which the depositor has

a right of disposal or deposit made by the employee of the owner of the account) free of charge Cash deposits to someone else’s account made by the client of the bank (depositor is not the owner

of the account or has right of disposal to the account) free of charge Cash deposit to someone else’s account (depositor is not the owner of the account or has right of

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Not-announced withdrawal in CZK according to the Bank's business terms and conditions 0.2 % Unrealized announced withdrawal in CZK 0.2 % Not-announced withdrawal in foreign currency according to the Bank's business terms and

conditions 0.4 % Unrealized announced withdrawal in foreign currency 0.4 % Deposit of the takings - surcharge for processing of more than 15 deposit transactions of the Client per calendar month*

70,- per deposit proceeded in the calendar month

*) Deposits made by third party are not account

B. Foreign exchange - according to foreign exchange list of Expobank CZ a.s.

CZK to foreign currencies (we sell) free of charge Foreign currencies to CZK (we buy) 2 % min. 50,-

C. Other cash services

Foreign exchange of damaged banknotes 10 %

Exchange of banknotes (interchange, change etc.) 5 % min 25,- max 1.000,- Exchange of domestic banknotes and coins sorted by nominal value up to 100 units of the same

nominal value free of charge Incoming payment collectable in cash only 1 % min 500,-

IV. Documentary Letters of Credit

in CZK

A. Export and domestic suppliers letters of credit

Pre-advice 1.000,- flat Advising commission / Advising of the L/C amount increase 0.2 % min. 1.500,- Handling commission 0.3 % min. 1.500,- Transfer of L/C 0.3 % min. 3.000,- Confirmation commission / the amount increase of confirmed L/C / prolongation of confirmed L/C

validity* individually Deferred payment commission under confirmed L/C* individually Supervisory commission (unconfirmed L/C without forfaiting) 0.1 % min. 1.500,- Taking up of risk (unconfirmed L/C with forfaiting)* individually Amendment fee 1.500,- flat Closing of L/C due to non-utilisation / cancellation of L/C before expiry date 1.500,- flat Repeated claim due to not received instructions (second and following) 300,-

Pre-checking of documents first pre-check free of charge, each next individually min. 1.000,- - max. 5.000,- Advising of L/C to other bank 1.000,- flat

Discrepancies in the documents 1.500,- Preferential processing of L/C 1.000,- Registration of L/C / amendment 1.000,-

Proposal of wording of L/C individually min. 3.000,- Forfaiting - flat contractual fee individually

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B. Import and domestic buyers letters of credit

Pre-advice 1.000,- flat Commission for opening of L/C / increasing of L/C amount / prolongation of L/C validity plus

commitment fee**

0.1 % min. 1.500,- monthly plus commitment fee individually** Deferred payment plus commitment fee** 0.15 % min. 1.500,- monthly plus

commitment fee individually** Handling commission 0.3 % min. 1.500,-

Amendment commission 1.500,- flat Closing of L/C due to non-utilization utilization / cancellation of L/C before expiry date 1.500,- flat Cancellation of L/C before issuing 2.000,- flat Express processing of application and opening of L/C within 2 (two) working days after submission

of application to bank 2.500,-

Proposal of wording of L/C individually min. 3.000,- Release of goods (goods shipped to the disposal of our bank) 1.500,-

Consultancy in connection with the L/C individually Discrepancies in the documents 1.500,- Processing and evaluation of request for issuance of L/C / for providing of credit facility for issuance

of L/Cs individually Preparation of contractual documentation / amendment of contractual documentation related to

providing of L/C / credit facility for L/Cs individually

C. Other services related to letters of credit

Confirmation of assignment of the proceeds of L/C 2.500,- flat Transfer of the L/C proceeds in favour of customer of other bank 2.000,- Administration of outstanding documents for longer than 1 month 1.000,- monthly Confirmation issued at the client´s request to L/C individually, min. 300,- Fees for other services not stated in the List of Fees will be charged as agreed individually.

* depending on the creditworthiness of the issuing bank and lifetime of the L/C, resp. deferred payment ** depending on the creditworthiness of the client, collateral, lifetime and risk profile of the transaction

Client can further be charged with telecommunication and postage costs arising from processing of Documentary Letters of Credit. These expenses are booked as follows:

- SWIFT message: CZK 150,-

- Fax message (one page): CZK 100,- inland; CZK 150,- Europe; CZK 200,- overseas; - telephone, mail, courier services: according to actual expenses

V. Documentary and Bill Collections

in CZK

A. Seller´s - export collection

Handling commission 0.3 % min. 1.500,- Preferential processing of collection / payment 1.000,-

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Cancellation of collection order 1.000,- The fee for the transfer of the proceeds to a third bank 2.000,- Administration of overdue collection (fee is charged for administration of outstanding documents

after expiry of 1 month from its due date) 500,- monthly Confirmation issued at the client´s request to collection individually, min. 300,- Fees for other services not stated in the List of Fees will be charged as agreed individually.

B. Purchaser´s - import collection

Handling commission 0.3 % min. 1.500,- Preferential processing of collection / payment 1.000,-

Amendment of instructions 750,-

Custody of a Bill of Exchange with a deferred payment 0.1 % min. 1.500,- Obtaining of acceptance of a Bill of Exchange 500,-

Documents released "free of payment" 1.500,- Sending of collection instruction to other bank 500,- Repeated claims of collection instructions (second and following) / reminder of payment 300,- Release of goods (goods shipped to the disposal of our bank) 1.500,-

Protest for non-payment, non-acceptance of a Bill of Exchange 1.500,- plus costs of notary Aval of import Bill of Exchange* individually

Administration of overdue collection (fee is charged for administration of outstanding documents

after expiry of 1 month from its due date) 500,- monthly Confirmation issued at the client´s request to collection individually, min. 300,- Fees for other services not stated in the List of Fees will be charged as agreed individually.

* depending on the creditworthiness of the client, collateral, lifetime and risk profile of the transaction

Client can further be charged with telecommunication and postage costs arising from processing of Documentary and Bill Collection. These expenses are booked as follows:

VI. Credit Facilities, Information Service

in CZK A. Loans

Interest rate to be agreed upon individually, depending on market conditions, type of transaction and risk assessment of client.

Commitment fee (calculated over the unused amount of credit) individually Credit maintenance fee (including overdraft) 500,- p.m. Fees for other services related to credit (lawyer services, expert evaluation of provided security,

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B. Letters of guarantee

Issuing of the guarantee / counter-guarantee / promise to issue a guarantee individually, min. 3.000,- Issuing of guarantee based on counter-guarantee* individually

Commitment fee (calculated from the amount of the issued guarantee / counter-guarantee / promise

to issue guarantee), in case of amount increase / extension of validity** individually, min. 1.500,- p.q. Amendment fee of a guarantee / counter-guarantee / promise to issue a guarantee individually, min. 2.500,- Advising of a guarantee 0.1 % min. 1.500,- - max. 5.000,- Advising of guarantee amendment 1.500,-

Express processing of application and issuing of guarantee / counter-guarantee / promise to issue

guarantee within 2 (two) working days after submission of application to bank 2.500,-

Discharge the claim under guarantee / counter-guarantee 0.2 % min. 2.000,- Lodge the claim under guarantee / counter-guarantee 0.2 % min. 2.000,- Examination of guarantee wording and documents for lodging the claim under guarantee based on

the request of the client 2.000,-

Proposal of wording of guarantee / counter-guarantee / promise to issue guarantee individually, min. 3.000,- Cancellation of guarantee / counter-guarantee / promise to issue guarantee before issuance 2.000,-

Repeated claim due to not received instructions (second and following) 300,- Administration of guarantee / counter-guarantee / promise to issue guarantee (fee is charged per

every commenced month) 500,- Registration of a guarantee / guarantee amendment 1.000,- Confirmation issued at the client´s request to guarantee / counter-guarantee / promise to issue

guarantee individually, min. 300,- Providing of services in connection with received guarantee (verification of signatures on guarantee

/ guarantee amendment /examination of guarantee wording / amendment wording etc.)

individually, min. 500,- plus real costs Consultancy in connection with a guarantee / counter-guarantee / promise to issue a guarantee individually Processing and evaluation of request for guarantee / counter-guarantee / promise to issue

guarantee / for providing of credit facility for guarantees / counter-guarantees / promises to issue guarantees

individually Preparation of contractual documentation / amendment of contractual documentation related to

providing of guarantee / counter-guarantee / promise to issue guarantee / credit facility for guarantees / counter-guarantees / promises to issue guarantees

individually

External services related to guarantee / counter-guarantee / promise to issue guarantee individually, according to actual expenses Fees for other services not stated in the List of Fees will be charged as agreed individually.

* depending on the creditworthiness of the issuing bank and lifetime of the guarantee / counter-guarantee ** depending on the creditworthiness of the client, collateral, lifetime and risk profile of the transaction

Client can further be charged with telecommunication and postage costs arising from processing of guarantee / counter-guarantee / promise to issue guarantee. These expenses are booked as follows:

C. Informational service

Auditors - inquiries:

- client with commitment 1.500,- flat + VAT - client without commitment 1.000,- flat + VAT Bank information 1.000,- flat + VAT Other extraordinary services not listed in this List of Charges

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VII. Investment Services and Treasury Sales

products

A. Trading domestic investment instruments

In addition to fees for agency services for transactions and services paid to the bank, the client pays the external fees for example of Recording of investment instruments in CDCP (valid List of Fees of CDCP can be found on www.cdcp.cz ), pursuant to their current list of rates, if their services were used. Expenses paid by Expobank CZ a.s. to third parties are added to the transaction fees listed below, if their services were used.

1. Domestic shares

the fee for share trade 0.80 % of the trade volume, min. 1.000,-

The commission is charged from each fully and partially satisfied instruction - separately for the individual titles of investment instruments and separately for each individual and partially satisfied instruction.

2. Domestic bonds

the fee for bond trade 0.60 % of the trade volume, min. 1.000,-

B. Trading mutual funds

Costs Expobank CZ has to pay to third parties in case their services have been used are added to the below listed transactional fees.

Fee for executed deal individual in accordance with the terms and conditions of the investment company Management fee individual in accordance with the terms

and conditions of the investment company Redemption free of charge

Switch difference between up-front fee, min. 0.30 %

C. Trading with ETF, foreign shares, bonds and investment certificates

1. ETF, Foreign Shares

Fee for executed deal 0.80 %* of trade volume, min. 1.500,-

2. Foreign bonds

the fee for bond trade 0.60 %* of trade volume, min. 1.500,-

3. Investment certificates

Primary issue according to the conditions determined for an individual emission, max. 3.00 % Secondary market - purchase 1.00 %* min. 1.000,-

Secondary market - sale 0.70 %* min. 1.000,-

* Costs Expobank CZ has to pay to third parties in case their services have been used are added to the above listed transactional fees. 4. Joints provisions

Management fee 0,30 % p.a.

D. Repo transactions and Pledges

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E. Joint provisions for trading domestic and foreign investment instruments

Conclusion of commission Agreement free of charge Submission of binding instructions free of charge Cancellation of uncovered purchase/sales instructions by bank 100,- Instructions not carried out free of charge Fee for preparing confirmation/notice - first copy free of charge Fee for preparing confirmation/notice - each additional copy 50,- Fee for the provision of other information with securities trading in written form 50,-

F. Management of investment instruments registered at the Central Securities Depository

(CSD) in CZK

1. Provision of account statements of the investment instruments owner*

Account statement of the owner required on the account balance after 7. 7. 2010 inclusive

client knows his/hers number in CSD 300,- client does not know his/hers number in CSD 500,-

2. Pledges*

Registration, change of number of pledged investment instruments or cancellation of pledge of

investment instruments 1.000,-

3. Other services*

Other services requiring communication with CSD individually

* Service is provided to clients of Expobank CZ a.s. G. Treasury Sales products

Foreign currency transaction and currency derivatives individually Deposit transactions individually

VIII. Payment Cards

in CZK / EUR / USD

A. Payment Card Usage Fees

1. Card Issue free of charge

2. Monthly Fee

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3. Limitations to Payment Card Usage

Card Blocking free of charge Entry on Stoplist free of charge Automatic transfer from Card Blocking to Stoplist free of charge Card Unblocking free of charge

4. Other Services

Account balance inquiry at an ATM Domestic 6,- / 0.20 / 0.30 Account balance inquiry at an ATM Abroad 6,- / 0.20 / 0.30 Change of PIN at ATM 50,- / 1.80 / 2.50 Mailing of forgotten PIN code 100,- / 3.60 / 5,- Additional statement of transactions 40,- / 1,50 / 2,- Issuing a card duplicate (in case of damage or change of name) 200,- / 7.30 / 10,- Re-issuing of the card (in case of loss or theft) 200,- / 7.30 / 10,- Change of weekly limit at the card 20,- / 0.75 / 1,- Change of eCommerce limit (limit for internet payments) free of charge Request for supplementary transaction documentation 300,- / 11,- / 15,-

B. Payment Card Transactions Fees

Withdrawal at ATM

Domestic 6,50 / 0,24 / 0,32

Abroad 2.5 % of the amount min. 80,- / 3,- / 4,-

Withdrawal at cash counters

Cash Advance Domestic 20,- / 0.75 / 1,- + 0.45 % of the amount Cash Advance Abroad 2.5 % of the amount min. 80,- / 3,- / 4,-

Payments at merchants free of charge

IX. Other Services

in CZK

A. Hiring of safe deposit boxes

Safe deposit boxes are available only in branches: Praha - Václavské náměstí, Brno – nám.

Svobody and Plzeň. Concrete sizes according to each branch.

Max volume (cm3

) yearly rental fee

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60 000 4.650 + VAT 80 000 5.400 + VAT 110 000 6.150 + VAT 200 000 6.900 + VAT Advance payment for lending of two keys 4.000,- Late vacation of safe deposit box after the contract expiration 10.000,- Not paying rental fee within 10 calendar days after the due date 200,-

B. Mail boxes

Using the hold mail box individual price list available at each branch if boxes at disposal Advance payment for lending of two keys 1.000,-

Late vacation of safe deposit box after the contract expiration 5.000,-

C. Escrow Account

Fee for Providing and Maintenance of Escrow Account 5.000,-; over 1.000.000,- 5.000,- + 0.1 % of total amount*

Checking of the documents 1.000,- Change of agreement - amendment fee 2.000,-

*to be agreed individually (in extraordinary cases)

D. Cash pooling

Maintaining an account in the Cash pooling group to be agreed individually

E. Cash concentrating

Maintaining an account in the Cash Concentrating group to be agreed individually

F. Other

Execution at the client’s account – fee for processing

X. Electronic Banking Services

in CZK A. MULTICASH

MULTICASH system installation (including consultancy and training) 8.000,- flat Connection of existing MULTICASH installation of other bank to Expobank CZ a.s 4.000,- flat Monthly maintenance fee (including electronic account statements, lists of foreign exchange rates of

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B. Expobank Internet Banking*

Fee for the Internet Banking Service: Expo Direct 30,- p.m. Fee for the Internet Banking Service: Expo Business Direct 200,- p.m. Authenticator 350,- + VAT Re-generated PIN / PUK envelope 100,- * These charges are also valid for the products LBBW Direct and LBBW Business Direct offered until 14. 10. 2014.

XI. Miscellaneous

For operations not mentioned above, the Bank will charge a fee based on the amount of time involved in handling such an operation or act, proficiency of the worker performing the operation or act, their wage costs, and on the level of risk to be undertaken by the Bank by performing so.

With regard to all these operations, we will debit the customer's current account for all postal

communication and other costs such as taxes or other expenses paid by the Bank. At any moment the bank may replace this List of fees and commissions at reasonable extent in accordance with the rules set in General Business Conditions of the Bank in articles 44.2. to 44.5. (or respectively in valid General Business Conditions for consumer loans and credit cards in articles 21.2 to 21.5). Regarding the change of the List of fees the Client is granted the rights according to the above mentioned articles of General Business Conditions of the Bank (or respectively General Business Conditions for consumer loans and credit cards).

Fees and commissions are in CZK unless otherwise stated. Czech National Bank spot middle rate valid at the day of processing is used to convert all fees stated in CZK and booked in a foreign currency with the exception of the fees bound to processing of foreign payments to which middle rate of the Bank is applied.